Short-term rental insurance in Louisiana

A typical homeowners or landlord policy in Louisiana excludes the paying-guest use that Airbnb and VRBO hosting depends on. Short-term rental insurance steps in to cover the building, host liability, and the earnings you forfeit when a covered event like a hurricane takes the home out of service.

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Loved by short-term rental owners across Louisiana.

Eric Martin

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Elizabeth Oreo

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Arnold Chambers

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Protect your investment with short-term rental insurance in Louisiana

Louisiana’s short-term rentals thrive in cities like New Orleans and Baton Rouge. Airbnb hosts must follow local permitting and insurance requirements.

Steadily’s short-term rental insurance helps property owners cover liability, guest damages, and storm-related losses. Protect your Louisiana vacation home and keep your rental business running smoothly year-round.

Since guests, not long-term tenants, are the ones on the property in Louisiana, Steadily’s coverage is built for exactly this kind of hosting, so you can keep taking bookings with confidence.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Fire insurance for rental properties covers structural fire and smoke damage, your personal property, and lost rent while repairs are underway. See what’s covered, exclusions, and how much coverage you need.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K to $2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Water damage insurance for rental properties covers burst pipes, roof leaks, appliance overflows, and sewer backups with an endorsement, plus lost rent. See what’s covered, the exclusions, and how much you need.

Storm and hail

Storm and hail damage insurance for landlords covers roof punctures, dented shingles, siding, and broken windows on your rental. See what's covered, how hail deductibles work, and how much coverage you need.

Loss of rent

Loss of rent insurance, also called fair rental value coverage, replaces the rental income you lose when a covered event makes your rental uninhabitable.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Wind and hurricane

Wind and hurricane insurance for rental properties covers roof, siding, and structural storm damage plus lost rent. See what's covered, how named-storm deductibles work, and how much coverage you need.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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Short-term rental insurance cost in Louisiana

Short-term rental premiums generally come in about 15% to 25% higher than a long-term landlord policy on the same home as short stays mean more guests, more wear, and more chances for a claim.

Because Louisiana sits in hurricane country, storm risk is a real factor in where a short-term rental premium lands.

Expect the number to move with the home's size and value, its claims history, the limits you choose, and any add-ons for guest-related risks.

A short online quote will give you the real number for your property in minutes.

The short-term rental laws Louisiana hosts need to follow

Short-term rental regulation in Louisiana happens at the local level, so a permit or night cap that applies in one city may not exist in another. We track the details in our guide to Louisiana short-term rental laws.

Local ordinances often set a permit or registration step, limits on nights or guests, and standards for safety, parking, and noise that hosts have to meet.

Short-term stays usually trigger transient occupancy or lodging taxes, and while Airbnb and VRBO remit some of these, hosts are on the hook for the rest.

Because a homeowners or standard landlord policy typically excludes paying-guest stays, dedicated short-term rental coverage is what actually responds when a guest-related claim hits.